Head in the right direction with auto refinancing from Finex Credit Union
4.8 (608 Reviews)

Refinance Your Auto Loan for A Lower Payment!

Explore our hassle-free auto loan refinancing options for lower interest rates and more manageable monthly payments.* Let us help you drive your finances in the right direction.

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Refinancing Your Auto Loan May Be the Answer

Refinancing your auto loan with Finex Credit Union can pave the path to financial freedom by lowering your monthly payments and freeing up more of your hard-earned money for your future goals and dreams. We have no penalties for early repayment and the terms that best suit your needs. Fill out the form and get started to save!

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Apply Now or Get in Touch For Your Auto Loan:

Lower Your Monthly Payment

Easy Loan Process

Complete the entire process from the comfort of your home!

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Money Back In Your Pocket

Reduce your monthly payment and get more money in your hand for achieve your financial dreams.
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Flexible Terms and Rates

Customize your monthly car loan payment with terms of up to 84 months and affordable auto loan rates. 
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Cover It All In One Loan

Finance your new or used car loan up to 100%! Cover your ride, taxes, registration, warranties, and more!
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Find Out Your Car Loan Payment Savings

Auto Refinancing Calculator

Use our handy auto refinancing calculator to calculate your loan payment and see how much you can save! Once you find the best combination for your budget, be sure to email yourself the results and get in touch with us!
*Your actual term and payment will be provided upon acceptance of a Finex Credit Union auto loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.
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Wherever You Are In Your Car Buying Journey...

We Are Here For You!

Refinancing-your-auto-loan-with-Finex-will-help-you-save!

Get Ready To Save

Refinancing your car loan is a breeze with Finex Credit Union! Land an auto loan with a lower rate to reduce your monthly car loan payment, save big by paying less interest over the entire auto loan term, and improve your credit score!

  • Calculate your new auto loan payment.
  • Apply for your new auto loan.
  • Close your loan remotely by email.
  • Pocket your new savings.
Apply Now
drive away in your first car with an auto loan from Finex Credit Union

Get Your First Car with Confidence!

Buying your first car is a significant milestone and we want to be there for you every step of the way. Our financial experts will help guide you to make informed decisions that align with your budget and goals. Take the following steps to get started:

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drive away in your dream car with an auto loan from Finex Credit Union

Upgrade To The Car Of Your Dreams

Drive away in the car you've been drooling over with our always low Auto Loan rates. Getting the car of your dreams is easy with Finex Credit Union!

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Auto Loan Rates

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit score, term, and membership status and are subject to change without notice. Refinancing available on auto loans refinanced from another lender to Finex Credit Union. Offer not valid for vehicle loans currently financed by Finex Credit Union. 

Rates as of May 8, 2024
Term
Premier Membership APR1
General Membership APR1
Term
36 month
Premier Membership APR1
5.99%
General Membership APR1
6.99%
Term
48 month
Premier Membership APR1
5.99%
General Membership APR1
6.99%
Term
60 month
Premier Membership APR1
5.99%
General Membership APR1
6.99%
Term
72 month
Premier Membership APR1
6.99%
General Membership APR1
7.99%
Term
84 month
Premier Membership APR1
8.99%
General Membership APR1
9.99%

1 APR = Annual Percentage Rate. The displayed APR represents the lowest possible rates available. Rates are based on credit score, term, and membership status and are subject to change without notice. Refinancing available on auto loans refinanced from another lender to Finex Credit Union. Offer not valid for vehicle loans currently financed by Finex Credit Union. 

Car Loan Add-Ons: Protect Your New Ride

Mechanical Breakdown Protection

Finex Credit Union's Mechanical Breakdown Protection (MBP) is a great extended car warranty option that protects you and your wallet from costly repairs and potential breakdowns beyond your existing manufacturer's warranty.

  • Nationwide Coverage
  • 24-Hour Roadside Assistance
  • Rental Car Reimbursement

Ask us about Mechanical Breakdown Protection when you apply for your Auto Loan!

Apply Now

What is GAP Insurance?

If your vehicle is lost or stolen, and you owe more than it's worth, GAP Insurance covers the difference. Signing up for this optional coverage protects you and your family from being responsible for these unanticipated costs.

  • Include the cost of GAP in your loan balance.
  • Cover your unpaid net balance after insurance payoff up to 125% of value.
  • Cover the cost of an unrecovered theft.
  • After a total loss, purchase your next vehicle with Finex Credit Union and receive $1,000 toward the principal balance of the new loan.

Ask us about GAP Insurance when you apply for your Auto Loan!

Apply Now

What our members are saying...

"This was the best decision I have made financing a car. I was approved the next day after that and I was able to obtain a 90 day grace period. Now I am also a member and the payment will be deducted automatically from my account. They also have an app which is compatible with my present bank. Thank you Finex, thanks Sherri."
Eunice R.
"The process to get my car loan was the easiest I've ever experienced.  We did it all online and a few phone calls. Sheri and Mary set up my checking account and the loan for me. The bonus to open the account was great. They were very professional and helpful.  I would recommend finex very highly. Great experience."
Craig D.
"Just got approved for a car loan so excited and Josephine Gonzales answered the questions I had and helped me through everything, she was so nice and kind to me! :) I got my car!! So excited thank you Josephine! And Finex CU! 🥹"
Natalie F.
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